Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", "your") and Burdva Limited ("Resida", "we", "our", "us"), a company incorporated under the laws of the Federal Republic of Nigeria, with its principal place of business in Victoria Island, Lagos, Nigeria.

By creating an account, accessing the Resida platform (the "Platform"), making a booking, submitting a listing, funding a wallet, or otherwise using any service offered through resida.app or its subdomains, you confirm that you have read, understood, and unconditionally agreed to these Terms and all policies incorporated by reference, including our Privacy Policy, Host Policy, and Guest Policy.

If you are using the Platform on behalf of a company, estate management firm, or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms, and references to "you" include that entity.

We may revise these Terms at any time. Material changes will be communicated via email or in-platform notice at least 30 days before they take effect. Your continued use of the Platform after the effective date of any revision constitutes your acceptance of the updated Terms. If you do not agree to a revision, you must cease using the Platform before the effective date.

These Terms were last updated on June 2026. Earlier versions are available on request from legal@resida.app.

"Platform" means the Resida web application, mobile interfaces, APIs, dashboards (admin, owner, agent, tenant, company, and public-facing portals), WhatsApp integration, and any related software operated by Burdva Limited.

"Owner" means a registered property owner who lists one or more units on the Platform.

"Agent" or "Property Manager" means a registered real estate professional who manages listings, tenant relations, and bookings on behalf of one or more Owners.

"Tenant" means a registered user who occupies a long-term residential unit under a lease facilitated through the Platform.

"Shortlet Guest" or "Guest" means any user who books a unit for a short-stay or event-hall reservation.

"Handyman" means a registered service vendor who offers maintenance, repair, or skilled trade services through the Handyman Marketplace.

"Cleaner" means a registered cleaning professional who receives and executes shortlet turnover tasks through the Platform.

"Company User" means any user operating under a registered B2B Company account, including Company Admins, Managers, Agents, and Finance staff.

"DVA" means a Dedicated Virtual Account — a unique Nigerian bank account number issued to a User by Resida's payment processor (Paystack, through Titan Trust Bank or Wema Bank) for the purpose of funding the User's Platform Wallet.

"Wallet" means the virtual balance held by a User within the Platform's pooled liquidity architecture, representing that User's entitlement to funds held in the Platform's custody account.

"Lease" means a long-term residential or commercial occupancy agreement between a Tenant and an Owner, facilitated through the Platform.

"AI Feature" means any functionality powered by a large language model (LLM) or multimodal AI, including listing copy generation, automated valuation, maintenance triage, agreement drafting, fraud analysis, document OCR, and photo scoring.

"Subscription Plan" means a paid or free tier that determines the limits and features available to an Owner, Agent, or Property Manager on the Platform.

"Platform Fee" means any charge levied by Resida directly — distinct from Agent Fees, which are landlord-to-agent arrangements and not Resida platform revenue.

"Audit Log" means an immutable, timestamped record of a critical platform action stored in the Platform's database, including wallet debits/credits, lease changes, KYC decisions, and fraud flags.

"NDPA" means the Nigeria Data Protection Act 2023 and its implementing regulations.

"Force Majeure Event" has the meaning given in Section 29.

Resida is a technology intermediary platform that provides software infrastructure for property discovery, lease management, shortlet bookings, financial clearing, AI-assisted tools, and service-provider marketplaces. Resida is not a real estate agent, property manager, landlord, employer, or insurer.

Lease agreements, service contracts, and bookings are entered into directly between the relevant Users (e.g., Owner and Tenant, or Handyman and Requester). Resida is not a party to those agreements and does not assume obligations under them.

Resida provides a dispute facilitation service as described in Section 30 but does not adjudicate legal disputes and does not provide legal advice.

Resida holds funds in its custody account as a technology service provider, not as a licensed deposit-taking bank or microfinance institution. The custody account is used solely to settle entitlements between Users as described in Section 6.

Resida's AI Features produce outputs for informational and advisory purposes only. They do not constitute legal advice, financial advice, professional valuation advice, or medical advice. Users must not rely on AI outputs as a substitute for qualified professional opinion.

You must be at least 18 years of age to register an account or enter into any transaction on the Platform. By registering, you confirm that you meet this age requirement.

You must provide accurate, complete, and current registration information. You agree to promptly update any information that becomes inaccurate.

One person or entity may maintain only one account per role. Creating duplicate accounts to circumvent a suspension, restriction, or ban is a material breach of these Terms and grounds for immediate permanent termination.

Account registration requires email verification. After registration, you will be required to complete a two-step OTP (one-time password) login flow on each new session. The OTP is valid for five minutes and may be used only once.

You are solely responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You must notify us immediately at security@resida.app if you suspect unauthorised access.

Resida reserves the right to refuse registration or suspend an existing account where there is reasonable suspicion of fraud, misrepresentation, regulatory non-compliance, or any activity that poses a risk to the Platform or its users.

All Users who wish to access financial features — including wallet funding, DVA provisioning, rent payment, lease creation, shortlet booking payment, or handyman payouts — must complete Know Your Customer ("KYC") verification.

KYC requires submission of: (a) a government-issued photo ID (National Identification Number slip, International Passport, or Driver's Licence); (b) a liveness selfie; (c) a utility bill or official document confirming residential address; (d) a Bank Verification Number (BVN); and (e) confirmation of residential address details.

KYC documents are reviewed by a Resida administrator. Approval, rejection (with reasons), or a request for re-submission will be communicated via email. Resida is not obligated to approve any KYC submission.

Submission of false, fabricated, or third-party documents during KYC constitutes fraud and will result in immediate permanent account termination and may be reported to the Nigeria Financial Intelligence Unit (NFIU) and other relevant agencies.

KYC data is processed in accordance with our Privacy Policy and retained for the account lifetime plus five years after account closure, as required by Nigerian financial regulations.

Resida may use AI-assisted document OCR to cross-check submitted identity documents. The AI extract is advisory only and is always reviewed by a human administrator before any KYC decision is made.

Upon successful registration, eligible Users (Tenants, Owners, Agents, Handymen, and Cleaners) are provisioned a Dedicated Virtual Account (DVA) — a unique bank account number issued through Paystack's API, linked to Titan Trust Bank or Wema Bank. The DVA allows Users to fund their Platform Wallet via standard bank transfer from any Nigerian bank.

The Platform operates a pooled liquidity model. All DVA inflows are credited to a central custody account maintained by Resida (the "Platform Pool"). Each User's Wallet balance is a virtual entitlement representing their share of the Pool — not a segregated bank account in the User's name.

Wallet top-ups are detected by two mechanisms: (a) Paystack webhook events (primary), which are signature-verified against Resida's Paystack webhook secret before any state change; and (b) a polling fallback that queries Paystack for new DVA transactions every 60 seconds (idempotent via reference-based deduplication). Funds are reflected in your Wallet balance upon successful verification.

Wallet debit operations (rent deductions, fee payments, handyman payouts, etc.) are atomic database transactions protected by row-level SELECT FOR UPDATE locks to prevent concurrent overdrafts. A debit will never be executed if the User's Wallet balance is insufficient. An InsufficientFunds error is raised and no partial state is committed.

Withdrawal of funds to a Nigerian bank account is subject to a ₦150 flat withdrawal fee deducted from the withdrawal amount before transfer. Outbound transfers are processed via Paystack at Paystack's prevailing transfer rates (currently 1.5% + ₦100, capped at ₦2,000 per transfer). These Paystack costs are borne by Resida and do not represent additional charges to the User above the ₦150 platform withdrawal fee.

Resida is not responsible for delays in DVA top-up recognition caused by inter-bank settlement schedules, network outages, Paystack downtime, or force majeure events. The standard bank settlement window in Nigeria is T+1 business day. Resida will investigate missing top-ups within 5 business days of a written report to support@resida.app.

Wallet balances do not earn interest. Resida does not represent that the Platform Pool will at all times maintain liquidity to satisfy all simultaneous withdrawal requests. In the event of a liquidity event, Resida will notify affected Users and work to resolve the issue within 10 business days.

The Platform also supports a Tenant Savings Wallet feature, allowing Tenants to set aside a portion of their Wallet balance as a sinking fund toward annual rent. Savings balances are locked and not available for general spend until released. Early release is subject to a forfeit percentage as disclosed at the time of release.

Rent is deducted automatically from a Tenant's Wallet on the lease's next_due_date. The deduction is executed by a scheduled background task (Celery Beat) that runs daily at 00:00 West Africa Time (UTC+1).

The deduction is idempotent: a Redis-based deduplication key (scoped to lease ID + due date, with a 25-hour TTL) ensures that even if the system retries, a Tenant is never debited more than once per payment cycle. A distributed lock (60-second TTL) prevents concurrent workers from processing the same lease simultaneously.

If a Tenant's Wallet balance is insufficient on the due date, the deduction will fail. The system will not retry automatically. It is the Tenant's responsibility to maintain sufficient Wallet balance before the due date. Late fee accrual (see Section 13) begins after the applicable grace period.

On successful deduction, funds flow as follows: (a) the Agent Fee (if any) is deducted from the gross rent and credited to the Agent's Wallet; (b) the remaining amount is credited to the Owner's Wallet; (c) Resida does not charge a commission on rent deductions — platform revenue on rent flows only from the ₦150 withdrawal fee when the Owner later withdraws. (d) Outstanding late fee balances are collected on the same deduction event and credited to the Owner.

Rent amounts are stored and processed as the per-cycle amount (annual rent ÷ payment frequency cycles). The payment frequency is set at the unit level (Monthly, Quarterly, Biannual, or Annual) and flows into all leases created from that unit.

The next_due_date advances by the correct number of months after each successful deduction (1 month for Monthly, 3 for Quarterly, 6 for Biannual, 12 for Annual), accounting for month-end edge cases.

Email notifications are sent to both the Tenant (rent deducted) and the Owner (rent received) upon each successful deduction. These are transactional emails and cannot be opted out of during an active lease.

WALLET WITHDRAWAL FEE: ₦150 flat fee per outbound bank transfer, deducted from the withdrawal amount before processing. Applies to all roles (Owner, Agent, Handyman, Cleaner). There is no withdrawal fee for internal Wallet-to-Wallet transfers within the Platform.

LEASE APPLICATION FEE: ₦1,000 flat fee charged to the Tenant at the time of submitting a lease application (POST /api/v1/leases). This fee is non-refundable and covers platform administration of the application, regardless of whether the lease is ultimately executed.

SHORTLET BOOKING COMMISSION: 5% of the total booking value, deducted from the Owner's/Host's payout at booking confirmation. The commission is capped at ₦10,000 per booking regardless of booking value.

EVENT HALL BOOKING COMMISSION: 8% of the total booking value, deducted from the Host's payout at booking confirmation. No cap applies.

SHORTLET / EVENT HALL BOOKING PROCESSING FEE: ₦1,000 flat fee charged to the Guest at the time of booking submission. This fee is non-refundable and covers platform processing of the booking.

HANDYMAN SERVICE COMMISSION: 10% of the agreed service price, deducted from the Handyman's payout at the time the service request is marked RESOLVED and payment is released. The Handyman receives 90% of the agreed price.

INSPECTION / TOUR FEE: ₦200 flat fee charged to the Guest at inspection booking. This fee is a 100% pass-through to the Paystack payment processor. Resida retains zero revenue from the ₦200 inspection fee. The full ₦200 covers the Paystack processing cost only.

PLATFORM INSPECTION SURCHARGE: ₦500 non-refundable surcharge added to every inspection/tour booking, in addition to any inspection fee set by the Owner. This surcharge is Resida platform revenue. It is displayed clearly in the booking fee breakdown shown to the Guest before payment.

AI USAGE FEE: ₦3 per call for every AI Feature invocation that uses a large language model or multimodal AI model (Gemini or equivalent). This fee is deducted from the User's Wallet immediately before the AI call is executed. The call is blocked with HTTP 402 Payment Required if the Wallet balance is below ₦3. Deterministic (non-LLM) features — including fraud scan, risk scoring, anomaly detection, arrears forecasting, and tour slot suggestion — are not charged. Super Admin users are exempt from the AI usage fee.

SUBSCRIPTION FEES: The Platform offers tiered Subscription Plans (Free, Starter, Growth, Enterprise) that govern property/unit limits and access to advanced features. Subscription fees are billed monthly via Paystack recurring charges at the rates published in the Platform at the time of subscription. Free tier users are not charged. Subscription fees are non-refundable except where required by law.

AGENT FEE (NOT A PLATFORM FEE): Owners may configure a percentage fee (agent_fee_percent) on each property to compensate their Agent. This fee is deducted from the Owner's rent receipt and credited to the Agent's Wallet at each rent deduction event. The Agent Fee is a private contractual arrangement between Owner and Agent. Resida facilitates the payment mechanically but is not responsible for the amount agreed or any disputes arising from it.

All fees are stated in Nigerian Naira (₦). Resida reserves the right to modify any fee in this schedule with 30 days' prior notice. Fee changes do not affect bookings or leases already confirmed before the effective date of the change.

Resida does not charge monthly subscription or SaaS fees to Tenants or Handymen at any tier. Tenants pay the Lease Application Fee and AI usage fees only. Handymen pay the Service Commission only.

Subscription Plans are available to Owners, Agents, and Property Managers. Each plan sets limits on the number of properties and units a User may manage on the Platform, and controls access to advanced features.

The Free tier is available to all registered Owners/Agents at no charge and permits management of up to 1 property and 5 units. Access to AI features, advanced ad campaigns, and the B2B Company Module is subject to subscription requirements.

If a User's active subscription lapses (including due to payment failure), the Platform will downgrade the account to Free tier after a grace period of 7 days. Properties and units above the Free tier limit will be deactivated but not deleted. The User may reactivate them by upgrading their plan.

Subscription fees are charged via Paystack recurring billing. A failed payment triggers Paystack's retry logic. If payment is not collected within 7 days of the due date, the account is downgraded. Users are notified by email at each stage.

Subscriptions may be upgraded at any time on a prorated basis. Downgrades take effect at the next billing cycle. There are no partial refunds for unused portions of a subscription period unless required by applicable law.

Owners and Agents warrant that: (a) the property exists at the stated address; (b) the description, photos, videos, and amenity details are accurate and not misleading; (c) the Owner holds legal title to the property or is authorised by the title holder to list it; (d) the property is legally available for lease or short-stay under applicable Lagos State and Nigerian federal law; and (e) the listed property complies with all applicable building, fire safety, health, and planning regulations.

Listing a property that you do not own or are not authorised to list is fraudulent misrepresentation and grounds for immediate permanent account suspension. Resida reserves the right to report such conduct to the Lagos State Real Estate Regulatory Authority (LASRERA) and relevant law enforcement agencies.

Resida reserves the right to remove or deactivate any listing that: (a) violates these Terms; (b) is flagged by AI-assisted property verification as potentially fraudulent; (c) is the subject of a court order; or (d) has been the subject of repeated guest or tenant complaints.

Units may be toggled between Long-Term and Shortlet modes via the Platform. A unit cannot simultaneously be listed for both modes. The Owner/Agent is responsible for ensuring the correct mode is active at all times.

Listing photos and videos must be authentic representations of the property. Using stock photos, AI-generated images, or photos of a different property is a material breach of these Terms. Resida's AI photo tagging may flag inconsistencies but human review is the final determinant.

A lease is created on the Platform by an Owner or Agent. The Tenant receives an invitation link to accept the lease terms. By accepting the invitation, the Tenant agrees to the lease terms as specified in the Platform. Resida may generate a draft agreement via its AI drafting tool, but the final executed document is the responsibility of the Owner and Tenant.

Tenants must: (a) maintain the leased property in good condition; (b) report maintenance issues via the Platform's maintenance request system; (c) comply with house rules disclosed at the time of lease; (d) not sublet, assign, or allow third-party occupation of the unit without prior written consent of the Owner; and (e) vacate the property on or before the lease end date unless a renewal is confirmed in the Platform.

Tenants are liable for damage beyond normal wear and tear. The Owner may apply caution fee/security deposit funds to cover such damage in accordance with Section 12.

Early termination of a lease by the Tenant before the agreed end date may result in forfeiture of the security deposit and any rent paid for unexpired periods, subject to the terms of the executed lease agreement.

An Owner may require a security deposit (caution fee) at lease commencement. Where collected through the Platform, the deposit is held in escrow within the Platform Pool and reflected as a locked balance in the Platform's escrow ledger.

The security deposit is held for the duration of the lease and released to the Tenant's Wallet (less any agreed deductions for damage) within 14 business days of the lease end date and completion of a property inspection, subject to Owner confirmation in the Platform.

Disputes over deductions from the security deposit should be raised via disputes@resida.app within 7 days of receiving the deduction notice. Resida will act as a neutral facilitator and may review Platform audit logs, maintenance records, and inspection photos. Resida's facilitation is advisory; final legal resolution remains the responsibility of the parties.

Security deposits not released by the Owner within 30 days of the lease end date (absent an active dispute or outstanding maintenance claim) will be automatically released to the Tenant's Wallet, subject to Resida's confirmation that no dispute is pending.

An Owner or Agent may configure a late fee for each lease, comprising: (a) a daily late fee amount (₦ per day); and (b) a grace period (days after the due date before fees begin accruing). Both values are configurable per lease and visible to the Tenant in the Platform.

Late fee accrual is executed by a scheduled background task running daily at 00:02 WAT. Fees accrue for each calendar day that the overdue balance remains unpaid, beyond the grace period. Accrual is idempotent (one charge per lease per day, enforced via Redis deduplication key).

Accrued late fees are displayed to the Tenant in real time in their My Leases dashboard, along with the daily rate, grace period, and total outstanding balance.

Outstanding late fee balances are collected automatically on the next successful rent deduction (whether manual or automated) and credited to the Owner's Wallet. Setting a daily late fee of ₦0 disables the late fee feature for that lease.

Resida does not guarantee the collectibility of late fees and is not liable to Owners for uncollected amounts where the Tenant's Wallet balance is insufficient.

Shortlet and event hall bookings are subject to availability. Availability is checked via a date-overlap SQL query at the time of booking. A SELECT FOR UPDATE lock on the unit record prevents concurrent double-bookings.

A booking is confirmed only after payment is verified. The ₦1,000 booking processing fee is non-refundable from the moment the booking is submitted.

Shortlet unit status transitions (OCCUPIED on check-in day, VACANT on checkout) are managed automatically by the Platform's daily scheduled task.

Hosts must not inflate nightly rates retroactively after a booking is confirmed. Any rate change applies only to future bookings.

Cleaning fees, if charged by the Host, are stated at booking and non-negotiable after confirmation. They are disbursed to the cleaning provider (if managed through the Platform's Cleaning Module) or retained by the Host.

SHORTLET / EVENT HALL — GUEST CANCELLATION: (a) Cancellation 72+ hours before check-in: full refund of the booking amount (excluding the ₦1,000 non-refundable processing fee and any Platform commissions already deducted). (b) Cancellation within 72 hours of check-in: no refund of the booking amount.

SHORTLET / EVENT HALL — HOST CANCELLATION: Hosts who cancel a confirmed booking without a valid reason (force majeure, property damage, legal injunction) will receive a warning on first occurrence and listing suspension on repeat occurrence. Affected Guests will receive a full refund including the processing fee.

LONG-TERM LEASE CANCELLATION: Governed by the executed lease agreement. The Platform facilitates the lease termination workflow (status update, security deposit release) but does not itself determine the financial terms of early termination.

RESIDA-INITIATED CANCELLATION: Resida may cancel any booking or lease in cases of confirmed fraud, property misrepresentation, court order, regulatory direction, or Platform security incident. Resida will provide a full refund to the affected party where funds are recoverable.

INSPECTION FEE: The ₦200 inspection fee and ₦500 platform surcharge are fully non-refundable once payment is processed, regardless of whether the inspection takes place.

The Handyman Marketplace allows Tenants, Owners, and Agents to discover, request, and pay for maintenance, repair, and skilled trade services through the Platform.

Handymen must complete identity verification (as part of KYC) and provide accurate information about their skills, base service charge, and availability. False information is grounds for immediate account termination.

A service request is created by the requester with a description of the issue. The Handyman may accept or decline. Once accepted and a price is agreed through the Platform, the job proceeds through the status lifecycle: OPEN → ACCEPTED → IN_PROGRESS → RESOLVED / DECLINED.

Payment is released to the Handyman only when the service request is marked RESOLVED by the requester. Resida deducts its 10% service commission from the agreed price before crediting the Handyman's Wallet. The Handyman receives 90% of the agreed price.

Resida acts solely as a marketplace facilitator. The service agreement is between the requester and the Handyman. Resida is not liable for: (a) the quality of work performed; (b) property damage caused by the Handyman; (c) personal injury; or (d) failure to complete the job. Users are encouraged to verify Handyman credentials independently.

Disputes between requesters and Handymen regarding work quality or payment should be reported to disputes@resida.app within 48 hours of the RESOLVED status being set. Resida will review the service request record, communications log, and any photos submitted, and may freeze payment pending investigation.

For shortlet units, the Platform automatically generates a cleaning task when a booking status transitions to CHECKED_OUT. The task is created by a scheduled background task running at 00:15 WAT with idempotent deduplication.

Cleaners must complete GPS check-in within 300 metres of the unit's registered coordinates before commencing work. The check-in is verified using the Haversine formula. Resida records GPS coordinates for each check-in for operational accountability purposes only.

Cleaners must upload at least one "after" photo before marking the task COMPLETED. The photo is stored in the Platform's storage system (S3/Cloudinary) and is visible to the property manager.

Payout to the Cleaner is triggered by the property manager marking the task VERIFIED. The payout amount defaults to the Cleaner's registered flat rate but may be overridden by the manager. Resida does not charge a commission on cleaning payouts.

The Platform provides AI-assisted features powered by Google Gemini (a large language model) and deterministic rule-based scoring engines. Users are charged ₦3 per LLM/multimodal call as described in Section 8.9.

AI OUTPUTS ARE ADVISORY ONLY. Resida expressly disclaims all liability for decisions made by Users based on AI outputs, including: listing valuations, maintenance cost estimates, risk scores, agreement drafts, ad copy, fraud signals, document OCR results, and photo quality scores. AI outputs are tools to assist decision-making, not substitutes for qualified professional advice.

Document OCR for KYC purposes uses AI to extract fields from identity documents. The extracted data is always reviewed and confirmed by a human Resida administrator before any KYC decision is made. An AI extraction result is not a KYC approval.

Fraud detection signals (duplicate accounts, shared phone numbers, referral burst patterns) are flagged for administrative review. A fraud flag creates an immutable audit log entry. An account is not automatically suspended unless a Resida administrator explicitly triggers suspension. Users who believe a fraud flag is erroneous may appeal to security@resida.app.

To provide AI features, Resida transmits certain data (property descriptions, maintenance request text, document image URLs, chat excerpts) to Google LLC's Gemini API. By using AI features, you consent to this data being processed by Google in accordance with Google's API usage policies. Resida does not share personally identifying financial data (bank account numbers, BVN, wallet balances) with the Gemini API.

Resida reserves the right to disable, modify, or restrict AI features at any time, including if Google changes its API policies or pricing. Unspent AI call capacity is non-refundable except in cases of prolonged Platform outage attributable to Resida.

The Platform integrates with WhatsApp Business via the Meta Cloud API to send transactional and operational messages to Users who have provided their phone number. By providing a phone number and not opting out, you consent to receive WhatsApp messages from Resida.

Outbound WhatsApp messages include: rent reminders, savings nudges, inspection confirmations, maintenance alerts, rent certificates, vacancy broadcasts, and landlord onboarding steps. All outbound messages use pre-approved WhatsApp Message Templates.

The Platform accepts inbound WhatsApp commands including SAVE, PORTFOLIO, REFER, CERTIFICATE, NOTIFY ON/OFF, UNSUBSCRIBE, and INSPECT. Sending UNSUBSCRIBE will opt you out of all non-critical WhatsApp messages. Critical messages (e.g., security alerts, regulatory notices) may still be sent.

WhatsApp messages are processed through Meta's servers. By receiving WhatsApp messages from Resida, your phone number is processed by Meta Platforms Ireland Ltd under Meta's Privacy Policy. Resida does not control Meta's data practices.

Standard WhatsApp messaging rates may apply from your mobile carrier. Resida does not charge for WhatsApp messages.

Inbound conversational flows (inspection booking, maintenance request, property search, and the LIST PROPERTY landlord onboarding flow) are multi-step interactions. Partial sessions are stored in Redis with a 30-minute TTL. Abandoned sessions are automatically discarded.

The B2B Company Module is available to eligible entities (property management companies, real estate firms) under a paid Subscription Plan. The Company Admin who registers the company account is legally responsible for all activities performed by all staff under that company account.

Company Admins may invite staff with roles (Admin, Manager, Agent, Finance). Staff members must individually accept invitations, verify their email, and comply with these Terms as individual Users.

Client and lead data created within the B2B CRM is owned by the Company. Upon account termination, Company Admins may export their CRM data within 30 days. After 30 days, data may be purged from the Platform in accordance with our data retention schedule.

Agreement templates and generated agreements are created for informational and operational purposes. They do not constitute legal advice. The Company is responsible for ensuring all agreements comply with applicable Nigerian law and for obtaining independent legal review as appropriate.

The Estate Management Module allows registered Estate Administrators to manage residential estate unit registers, generate visitor access codes, and log gate entries/exits.

Access codes (QR or numeric) generated through the Platform are time-limited and single-purpose. Estate Administrators are responsible for ensuring codes are shared only with authorised visitors.

Every gate scan event is logged in the Platform with a timestamp, access code used, and guard identifier. Gate logs are retained for 12 months and are accessible to Estate Administrators and Resida Super Admins.

Resida is not a physical security provider. The Platform provides a software tool for access management. Resida is not liable for security breaches, unauthorised entry, or harm arising from the use or misuse of access codes.

Users must not: (a) use the Platform for any fraudulent, deceptive, or unlawful purpose; (b) submit false identity documents or misrepresent KYC information; (c) list a property they do not own or are not authorised to manage; (d) arrange payments between tenants and landlords outside the Platform after the parties meet through the Platform ("off-platform deals"); (e) create duplicate accounts to evade a ban, restriction, or fee; (f) use automated scripts, bots, or scrapers to access Platform data; (g) attempt to circumvent Platform security, access controls, rate limits, or RBAC restrictions; (h) upload malicious code, viruses, or denial-of-service payloads; (i) harass, threaten, abuse, or discriminate against any other User or Resida staff; (j) use AI Features to generate content that is defamatory, fraudulent, obscene, or illegal; (k) resell, sublicense, or commercialise access to the Platform or its API without prior written agreement with Resida; or (l) reverse-engineer, decompile, or disassemble any part of the Platform.

Any breach of Section 22.1 may result in immediate account suspension, permanent ban, forfeiture of Wallet balance, legal action, and/or referral to law enforcement or regulatory authorities.

All Platform software, source code, database schemas, APIs, visual design, trademarks, service marks, logos, brand names ("Resida", "Burdva Limited"), and all content created by Resida is the exclusive property of Burdva Limited or its licensors, protected by Nigerian and international intellectual property law.

You are granted a limited, personal, non-exclusive, non-sublicensable, non-transferable, revocable licence to access and use the Platform for its intended purpose as described in these Terms. No other rights are granted.

Content uploaded by Users (property photos, listing descriptions, KYC documents) remains the property of the uploading User. By uploading content, you grant Resida a non-exclusive, royalty-free, worldwide licence to store, display, process, and analyse that content solely for the purpose of providing and improving the Platform.

You must not use Resida's trademarks, logos, or brand assets without prior written permission from legal@resida.app.

The Platform integrates with third-party services including: Paystack (payments, DVA, recurring billing); Google Gemini (AI LLM features); AWS S3 / Cloudinary (file storage); Resend (transactional email); Termii (SMS notifications); Meta Cloud API (WhatsApp); Redis (caching and session management); and PostgreSQL database hosting.

Your use of these third-party services through the Platform is subject to their respective terms and privacy policies. Resida is not responsible for the availability, accuracy, or practices of third-party services.

In particular, Paystack's PCI-DSS Level 1 certification covers card payment processing. Resida does not store raw card data. In the event of a Paystack security incident, Resida will notify affected Users as soon as practicable after receiving notice from Paystack.

The Platform may display links to external websites. Resida does not endorse and is not responsible for the content of those websites.

Resida does not guarantee 100% Platform uptime. Scheduled maintenance, infrastructure upgrades, and force majeure events may cause downtime. Resida will endeavour to provide advance notice of scheduled maintenance via in-platform notification or email.

Resida reserves the right to modify, discontinue, or restrict access to any feature or module of the Platform at any time. Where a modification removes a feature Users have paid for, Resida will provide a prorated refund of the applicable Subscription fee for the remaining unused period.

During a Platform outage, the auto-rent deduction CRON will not execute. Any missed deductions will run on the next scheduled cycle. Resida is not liable to Owners for lost late fee accrual or delayed rent receipt resulting from a Platform outage, provided the outage lasted less than 48 hours.

To the fullest extent permitted by Nigerian law, Resida's aggregate liability for all claims arising out of or relating to these Terms or the Platform, whether in contract, tort, statute, or otherwise, shall not exceed the total Platform Fees paid by you to Resida in the three calendar months immediately preceding the event giving rise to the claim.

Resida is not liable for: (a) indirect, incidental, consequential, special, or punitive damages; (b) loss of profit, revenue, or anticipated savings; (c) loss of data or goodwill; (d) losses arising from the conduct of other Users (Tenants, Owners, Agents, Handymen); (e) losses arising from third-party service failures (Paystack, AWS, Google, Meta, Termii); (f) losses arising from AI output inaccuracy; or (g) losses arising from unauthorised account access where the User failed to maintain reasonable credential security.

Nothing in these Terms limits Resida's liability for: (a) fraud or fraudulent misrepresentation by Resida; (b) death or personal injury caused by Resida's negligence; or (c) any liability that cannot be excluded under Nigerian law.

You agree to defend, indemnify, and hold harmless Burdva Limited, its directors, officers, employees, contractors, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Platform; (b) your breach of these Terms; (c) your violation of any applicable law or regulation; (d) content you upload or transmit through the Platform; (e) your interactions with other Users; or (f) any third-party claim arising from a property you listed, a lease you entered, or a service you performed through the Platform.

Resida reserves the right to assume the exclusive defence and control of any matter subject to indemnification by you. You agree to cooperate fully with Resida's defence of any such claim.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY NIGERIAN LAW, RESIDA DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY.

Resida does not warrant that: (a) the Platform will be uninterrupted, error-free, or secure; (b) any defects will be corrected; (c) the Platform is free from viruses or harmful components; (d) results obtained from using AI features are accurate, complete, or reliable; or (e) property listings are accurate or that properties have the qualities described by their Owners.

Users rely on AI-generated valuations, risk scores, draft agreements, and other AI outputs entirely at their own risk. No contractual right is created by any AI output, and AI outputs do not bind Resida or any other User.

Resida shall not be in breach of these Terms or liable for any delay or failure to perform any obligation under these Terms to the extent that such delay or failure is caused by a Force Majeure Event.

"Force Majeure Event" means any event beyond Resida's reasonable control, including: acts of God; floods; earthquakes; epidemic or pandemic; acts of terrorism; civil unrest; war; power grid failure; telecommunications infrastructure failure; actions or omissions of government authorities; new or changed laws or regulations; CBN or NDPC regulatory actions affecting payment processing or data handling; or Paystack, Google, Meta, or AWS service outages beyond Resida's contractual SLAs with those providers.

Resida will notify affected Users of a Force Majeure Event as soon as reasonably practicable and will use commercially reasonable efforts to minimise the impact and resume normal service.

NEGOTIATION: In the event of a dispute between Users (e.g., Tenant and Owner), the parties must first attempt to resolve the dispute directly using the Platform's in-app messaging. If unresolved within 7 days, either party may escalate to Resida.

RESIDA FACILITATION: Disputes escalated to Resida should be submitted to disputes@resida.app. Resida will review available Platform records (audit logs, wallet ledgers, maintenance records, chat logs, uploaded photos) and provide a facilitated resolution within 14 business days. Resida acts as a neutral facilitator, not an arbitrator or adjudicator.

DISPUTES BETWEEN USER AND RESIDA: Any dispute between you and Resida arising out of these Terms or the Platform shall first be submitted to good-faith negotiation. If not resolved within 30 days of written notice of the dispute, either party may refer the matter to binding arbitration under the Arbitration and Mediation Act 2023 (Nigeria), with proceedings to be held in Lagos, Nigeria, and conducted in English.

CLASS ACTION WAIVER: You agree to resolve any dispute with Resida on an individual basis only and waive any right to bring or participate in any class action, collective proceeding, or representative action against Resida to the fullest extent permitted by Nigerian law.

Nothing in this Section prevents either party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction to prevent irreparable harm.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

The following statutes apply where relevant: the Federal Competition and Consumer Protection Act 2018 (FCCPA); the Consumer Protection Council Act; the Nigeria Data Protection Act 2023 (NDPA); the Cybercrimes (Prohibition, Prevention, Etc.) Act 2015; the Arbitration and Mediation Act 2023; the Companies and Allied Matters Act 2020 (CAMA); and all regulations issued thereunder.

For disputes not resolved through arbitration under Section 30.3, the courts of Lagos State, Nigeria, shall have exclusive jurisdiction.

USER-INITIATED CLOSURE: You may request account closure by emailing support@resida.app. All outstanding financial obligations (rent arrears, late fees, platform fees) must be settled before closure. Any remaining Wallet balance will be transferred to your designated bank account (subject to the ₦150 withdrawal fee) within 14 business days of your request.

RESIDA-INITIATED SUSPENSION: Resida may suspend or restrict your account immediately, without prior notice, if: (a) you breach these Terms; (b) Resida has reasonable grounds to suspect fraud or money laundering; (c) a regulatory authority directs Resida to take action; or (d) your account poses a risk to other Platform Users or to Platform security.

RESIDA-INITIATED TERMINATION: Resida may permanently terminate your account after 30 days' notice, or immediately for material breach, fraud, or regulatory direction. On termination, active leases facilitated through the Platform continue to be governed by the executed lease agreement between Owner and Tenant, but Resida ceases to provide technology services for that account.

POST-TERMINATION: Sections 6 (financial obligations), 7 (pending deductions), 8 (fees incurred), 12 (security deposit obligations), 23 (IP), 26 (limitation of liability), 27 (indemnification), 28 (disclaimers), 30 (dispute resolution), 31 (governing law), and this Section 32.4 survive termination.

ENTIRE AGREEMENT: These Terms, together with the Privacy Policy, Host Policy, Guest Policy, and any executed Subscription Agreement, constitute the entire agreement between you and Resida with respect to the Platform and supersede all prior agreements, understandings, and representations.

SEVERABILITY: If any provision of these Terms is held invalid, unenforceable, or illegal under applicable law, the remaining provisions continue in full force and effect.

WAIVER: Resida's failure to enforce any provision of these Terms on a particular occasion does not constitute a waiver of its right to enforce that provision in the future.

ASSIGNMENT: You may not assign or transfer your rights or obligations under these Terms without Resida's prior written consent. Resida may assign these Terms in connection with a merger, acquisition, or sale of substantially all assets without your consent, provided Resida notifies you within 30 days.

NOTICES: Resida will send notices to the email address registered on your account. Notices to Resida must be sent in writing to legal@resida.app or by post to Burdva Limited, Victoria Island, Lagos, Nigeria.

LANGUAGE: These Terms are written in English. In the event of any conflict between an English version and a translated version, the English version prevails.

Burdva Limited — Victoria Island, Lagos, Nigeria.

Legal enquiries: legal@resida.app

Security incidents & account compromise: security@resida.app

User disputes: disputes@resida.app

General support: support@resida.app

Data and privacy: privacy@resida.app